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ಸಾಮಾನ್ಯ ಪರಿಭಾಷೆಯಲ್ಲಿ,ಅತ್ಯುತ್ತಮ ದ್ರವ ನಿಧಿಗಳು (ಹಣ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳು) ಸಾಲವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಅಥವಾ ಬದಲಿಗೆ ಹಣಮಾರುಕಟ್ಟೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳು ಹೂಡಿಕೆಯ ಅವಧಿಯಲ್ಲಿ ಮಾತ್ರ ವ್ಯತ್ಯಾಸವಿದೆ. ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳು ಬಹಳ ಕಡಿಮೆ ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆಠೇವಣಿ ಪ್ರಮಾಣಪತ್ರ, ಖಜಾನೆ ಬಿಲ್ಲುಗಳು, ವಾಣಿಜ್ಯ ಪತ್ರಗಳು ಇತ್ಯಾದಿ.
ಈ ನಿಧಿಗಳ ಹೂಡಿಕೆಯ ಅವಧಿಯು ತುಂಬಾ ಚಿಕ್ಕದಾಗಿದೆ, ಸಾಮಾನ್ಯವಾಗಿ ಒಂದೆರಡು ದಿನಗಳಿಂದ ಕೆಲವು ವಾರಗಳವರೆಗೆ ಇರುತ್ತದೆ (ಇದು ಒಂದು ದಿನವೂ ಆಗಿರಬಹುದು!). ಸರಾಸರಿ ಉಳಿದಿರುವ ಪಕ್ವತೆದ್ರವ ನಿಧಿಗಳು ಅವರು ಪ್ರತ್ಯೇಕವಾಗಿ 91 ದಿನಗಳ ವರೆಗೆ ಮೆಚ್ಯೂರಿಟಿ ಹೊಂದಿರುವ ಸೆಕ್ಯುರಿಟಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ 91 ದಿನಗಳಿಗಿಂತ ಕಡಿಮೆಯಿರುತ್ತದೆ.
ಅಲ್ಪಾವಧಿಯಾಗಿರುವುದುಸಾಲ ನಿಧಿ, ಈ ನಿಧಿಗಳು ಕಡಿಮೆ ಅವಧಿಗೆ ಕಡಿಮೆ ಅಪಾಯದ ಹೂಡಿಕೆಗಳನ್ನು ಹುಡುಕುತ್ತಿರುವ ಹೂಡಿಕೆದಾರರಿಗೆ ಹೆಚ್ಚು ಸೂಕ್ತವಾಗಿದೆ. ಉತ್ತಮ ಲಿಕ್ವಿಡ್ ಫಂಡ್ಗಳ ಕಡಿಮೆ ಮೆಚುರಿಟಿ ಅವಧಿಯು ಫಂಡ್ ಮ್ಯಾನೇಜರ್ಗಳಿಗೆ ಪೂರೈಸಲು ಸಹಾಯ ಮಾಡುತ್ತದೆವಿಮೋಚನೆ ಸುಲಭವಾಗಿ ಹೂಡಿಕೆದಾರರ ಬೇಡಿಕೆ. ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ, ವಿವಿಧ ಹಣ ಮಾರುಕಟ್ಟೆ ನಿಧಿ ಹೂಡಿಕೆಗಳು ಲಭ್ಯವಿದೆ.
ಹಣದ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿನ ಭದ್ರತೆಗಳು ತುಲನಾತ್ಮಕವಾಗಿ ಕಡಿಮೆ ಅಪಾಯವನ್ನು ಹೊಂದಿರುತ್ತವೆ
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳನ್ನು ಎಲ್ಲಾ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಸುರಕ್ಷಿತ ಮತ್ತು ಸುರಕ್ಷಿತವೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳನ್ನು ಪರಿಗಣಿಸಿ, ಹಣದ ಮಾರುಕಟ್ಟೆ ಖಾತೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಸುಲಭ.ಹೂಡಿಕೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ಗಳ ಮೂಲಕ ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ತಕ್ಕಂತೆ ಖಾತೆಯನ್ನು ತೆರೆಯಬಹುದು, ಠೇವಣಿ ಮತ್ತು ಹಿಂಪಡೆಯುವಿಕೆಗಳನ್ನು ಮಾಡಬಹುದು
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳನ್ನು ಎಲ್ಲಾ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಕಡಿಮೆ ಬಾಷ್ಪಶೀಲ ವಿಧಗಳಲ್ಲಿ ಒಂದೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳ ಕಾರ್ಯಕ್ಷಮತೆಯು ರಿಸರ್ವ್ ನಿಗದಿಪಡಿಸಿದ ಬಡ್ಡಿದರಗಳೊಂದಿಗೆ ನಿಕಟ ಸಂಬಂಧ ಹೊಂದಿದೆಬ್ಯಾಂಕ್ ಭಾರತದ, ದಿಸೆಂಟ್ರಲ್ ಬ್ಯಾಂಕ್ ಆಫ್ ಇಂಡಿಯಾ. ಆದ್ದರಿಂದ, ಆರ್ಬಿಐ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ದರಗಳನ್ನು ಹೆಚ್ಚಿಸಿದಾಗ, ಇಳುವರಿ ಹೆಚ್ಚಾಗುತ್ತದೆ ಮತ್ತು ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡಲು ಸಾಧ್ಯವಾಗುತ್ತದೆ.
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ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಯು ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳಲ್ಲಿ ಒಂದು ಉದ್ದೇಶದೊಂದಿಗೆ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆನೀಡುತ್ತಿದೆ ಉತ್ತಮ ಆದಾಯ (ಬಡ್ಡಿಆದಾಯ) ಮತ್ತು ಇಟ್ಟುಕೊಳ್ಳುವುದುಅವು ಅಲ್ಲ ಏರಿಳಿತಗಳು ಕನಿಷ್ಠ.
ಹಣದ ಮಾರುಕಟ್ಟೆಯು ನಗದು ಮತ್ತು ನಗದು-ಸಮಾನ ಸಾಧನಗಳ ವ್ಯಾಪಾರ ನಡೆಯುವ ವಿನಿಮಯವಾಗಿದೆ. ಹಣದ ಮಾರುಕಟ್ಟೆಗಳಲ್ಲಿ ವ್ಯಾಪಾರ ಮಾಡುವ ಉಪಕರಣಗಳು ಮುಕ್ತಾಯವನ್ನು ಹೊಂದಿದ್ದು ಅದು ರಾತ್ರಿಯಿಂದ ಒಂದು ವರ್ಷದವರೆಗೆ ಬದಲಾಗಬಹುದು. ಭಾರತದಲ್ಲಿ ಕೆಲವು ಪ್ರಮುಖ ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳು ಇಲ್ಲಿವೆ:
ಭಾರತ ಸರ್ಕಾರವು 365 ದಿನಗಳವರೆಗೆ ಹಣವನ್ನು ಸಂಗ್ರಹಿಸಲು ಖಜಾನೆ ಬಿಲ್ಗಳನ್ನು ನೀಡುತ್ತದೆ. ಇವುಗಳು ಸರ್ಕಾರದಿಂದ ನೀಡಲ್ಪಟ್ಟಿರುವುದರಿಂದ, ಅವುಗಳನ್ನು ಅತ್ಯಂತ ಸುರಕ್ಷಿತವೆಂದು ಪರಿಗಣಿಸಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಕಡಿಮೆ ಅಪಾಯಗಳು ಕಡಿಮೆ ಆದಾಯಕ್ಕೆ ಅನುವಾದಿಸುತ್ತವೆ, ಇದು ಖಜಾನೆ ಬಿಲ್ಗಳಲ್ಲಿಯೂ ಸಹ ಇರುತ್ತದೆ. ಟಿ-ಬಿಲ್ಗಳ ಮೇಲಿನ ಆದಾಯವು ಇತರ ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳಿಗಿಂತ ಕಡಿಮೆಯಾಗಿದೆ.
CDಯು ಅವಧಿಗೆ ಮುನ್ನ ವಿಮೋಚನೆಯ ಆಯ್ಕೆಯನ್ನು ಹೊಂದಿರದ ಶೆಡ್ಯೂಲ್ಡ್ ವಾಣಿಜ್ಯ ಬ್ಯಾಂಕುಗಳಿಂದ ನೀಡಲಾಗುವ ಅವಧಿಯ ಠೇವಣಿಯಾಗಿದೆ. CD ಮತ್ತು ನಡುವಿನ ಪ್ರಾಥಮಿಕ ವ್ಯತ್ಯಾಸFD CD ಗಳು ಮುಕ್ತವಾಗಿ ನೆಗೋಬಲ್ ಆಗಿವೆ.
ಅಲ್ಪಾವಧಿಯ ಸಾಲಗಳನ್ನು ಸುಲಭಗೊಳಿಸಲು ಬ್ಯಾಂಕ್ ಮತ್ತು RBI ನಡುವೆ ಮರುಖರೀದಿ ಒಪ್ಪಂದವನ್ನು ಮಾಡಲಾಗುತ್ತದೆ. ಇದನ್ನು ಎರಡು ಬ್ಯಾಂಕುಗಳ ನಡುವೆಯೂ ಮಾಡಬಹುದು.
ಹೆಚ್ಚಿನ ಕ್ರೆಡಿಟ್ ರೇಟಿಂಗ್ ಹೊಂದಿರುವ ಕಂಪನಿಗಳು ಮತ್ತು ಹಣಕಾಸು ಸಂಸ್ಥೆಗಳು ಎವಾಣಿಜ್ಯ ಪತ್ರ ಇದು ಅಲ್ಪಾವಧಿಯ, ಅಸುರಕ್ಷಿತ ಪ್ರಾಮಿಸರಿ ನೋಟ್ ಆಗಿದೆ. ಇದು ಅಂತಹ ಘಟಕಗಳಿಗೆ ತಮ್ಮ ಅಲ್ಪಾವಧಿಯ ಎರವಲು ಮೂಲಗಳನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ಅನುಮತಿಸುತ್ತದೆ. ರಿಡೆಂಪ್ಶನ್ ಮಾಡಿದಾಗ ಸಿಪಿಗಳನ್ನು ಸಾಮಾನ್ಯವಾಗಿ ರಿಯಾಯಿತಿ ದರದಲ್ಲಿ ನೀಡಲಾಗುತ್ತದೆಮುಖ ಬೆಲೆ. ದಿಹೂಡಿಕೆದಾರ ವ್ಯತ್ಯಾಸವನ್ನು ಗಳಿಸುತ್ತದೆ.
To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities. UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a Below is the key information for UTI Money Market Fund Returns up to 1 year are on (Erstwhile Franklin India Savings Plus Fund Retail Option) Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments. Franklin India Savings Fund is a Debt - Money Market fund was launched on 11 Feb 02. It is a fund with Moderately Low risk and has given a Below is the key information for Franklin India Savings Fund Returns up to 1 year are on The objective of the Plan will be to seek to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities. ICICI Prudential Money Market Fund is a Debt - Money Market fund was launched on 9 Mar 06. It is a fund with Low risk and has given a Below is the key information for ICICI Prudential Money Market Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term) The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments. Aditya Birla Sun Life Money Manager Fund is a Debt - Money Market fund was launched on 13 Oct 05. It is a fund with Low risk and has given a Below is the key information for Aditya Birla Sun Life Money Manager Fund Returns up to 1 year are on (Erstwhile Reliance Liquidity Fund) The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Nippon India Money Market Fund is a Debt - Money Market fund was launched on 16 Jun 05. It is a fund with Low risk and has given a Below is the key information for Nippon India Money Market Fund Returns up to 1 year are on (Erstwhile Tata Liquid Fund) To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders. Tata Money Market Fund is a Debt - Money Market fund was launched on 22 May 03. It is a fund with Low risk and has given a Below is the key information for Tata Money Market Fund Returns up to 1 year are on (Erstwhile Kotak Floater Short Term Fund) To reduce the interest rate risk associated with investments in fixed rate instruments by investing predominantly in floating rate securities, money market instruments and using appropriate derivatives. Kotak Money Market Scheme is a Debt - Money Market fund was launched on 14 Jul 03. It is a fund with Low risk and has given a Below is the key information for Kotak Money Market Scheme Returns up to 1 year are on (Erstwhile HDFC Cash Management Fund - Savings Plan) To generate optimal returns while maintaining safety and
high liquidity. HDFC Money Market Fund is a Debt - Money Market fund was launched on 18 Nov 99. It is a fund with Low risk and has given a Below is the key information for HDFC Money Market Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 1 MO (%) 3 MO (%) 6 MO (%) 1 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Money Market Fund Growth ₹3,029.72
↑ 4.96 ₹18,083 1 2.2 4 7.9 7.7 7.51% 6M 1D 6M 1D Franklin India Savings Fund Growth ₹49.2943
↑ 0.08 ₹2,599 1.1 2.2 4 7.8 7.7 7.47% 6M 18D 7M 2D ICICI Prudential Money Market Fund Growth ₹372.891
↑ 0.64 ₹25,882 1.1 2.2 4 7.8 7.7 7.48% 7M 6D 7M 23D Aditya Birla Sun Life Money Manager Fund Growth ₹363.613
↑ 0.55 ₹26,752 1 2.1 4 7.8 7.8 7.6% 6M 22D 6M 22D Nippon India Money Market Fund Growth ₹4,077.67
↑ 6.77 ₹16,856 1 2.1 4 7.8 7.8 7.63% 8M 2D 8M 20D Tata Money Market Fund Growth ₹4,640.1
↑ 7.66 ₹28,157 1 2.2 4 7.8 7.7 7.45% 7Y 8M 26D 7Y 9M Kotak Money Market Scheme Growth ₹4,412.96
↑ 7.00 ₹27,943 1 2.1 4 7.8 7.7 7.57% 8M 8D 8M 8D HDFC Money Market Fund Growth ₹5,617.46
↑ 9.26 ₹27,399 1 2.1 4 7.8 7.7 0.74% 8M 7D 8M 26D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Apr 25 1. UTI Money Market Fund
CAGR/Annualized
return of 7.3% since its launch. Ranked 23 in Money Market
category. Return for 2024 was 7.7% , 2023 was 7.4% and 2022 was 4.9% . UTI Money Market Fund
Growth Launch Date 13 Jul 09 NAV (02 Apr 25) ₹3,029.72 ↑ 4.96 (0.16 %) Net Assets (Cr) ₹18,083 on 28 Feb 25 Category Debt - Money Market AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 3.42 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.51% Effective Maturity 6 Months 1 Day Modified Duration 6 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,552 31 Mar 22 ₹10,963 31 Mar 23 ₹11,589 31 Mar 24 ₹12,470 31 Mar 25 ₹13,440 Returns for UTI Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Apr 25 Duration Returns 1 Month 1% 3 Month 2.2% 6 Month 4% 1 Year 7.9% 3 Year 7.1% 5 Year 6.1% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.7% 2022 7.4% 2021 4.9% 2020 3.7% 2019 6% 2018 8% 2017 7.8% 2016 6.7% 2015 7.7% 2014 8.4% Fund Manager information for UTI Money Market Fund
Name Since Tenure Anurag Mittal 1 Dec 21 3.25 Yr. Amit Sharma 7 Jul 17 7.65 Yr. Data below for UTI Money Market Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 82.6% Debt 17.15% Other 0.25% Debt Sector Allocation
Sector Value Corporate 46.79% Cash Equivalent 34.77% Government 18.19% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹470 Cr 5,000,000,000
↑ 5,000,000,000 HDFC Bank Ltd.
Debentures | -2% ₹372 Cr 4,000,000,000
↑ 4,000,000,000 Axis Bank Ltd.
Debentures | -2% ₹326 Cr 3,500,000,000
↑ 3,500,000,000 Small Industries Development Bank of India
Debentures | -2% ₹325 Cr 3,500,000,000
↑ 3,500,000,000 Indian Bank
Domestic Bonds | -2% ₹279 Cr 3,000,000,000
↑ 3,000,000,000 India (Republic of)
- | -1% ₹235 Cr 2,500,000,000
↑ 2,500,000,000 Canara Bank
Domestic Bonds | -1% ₹233 Cr 2,500,000,000
↑ 2,500,000,000 182 DTB 27062025
Sovereign Bonds | -1% ₹196 Cr 2,000,000,000 364 DTB 12022026
Sovereign Bonds | -1% ₹189 Cr 2,000,000,000 364 DTB 27022026
Sovereign Bonds | -1% ₹188 Cr 2,000,000,000
↑ 2,000,000,000 2. Franklin India Savings Fund
CAGR/Annualized
return of 7.1% since its launch. Ranked 47 in Money Market
category. Return for 2024 was 7.7% , 2023 was 7.3% and 2022 was 4.4% . Franklin India Savings Fund
Growth Launch Date 11 Feb 02 NAV (02 Apr 25) ₹49.2943 ↑ 0.08 (0.17 %) Net Assets (Cr) ₹2,599 on 28 Feb 25 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.27 Sharpe Ratio 3.09 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.47% Effective Maturity 7 Months 2 Days Modified Duration 6 Months 18 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,521 31 Mar 22 ₹10,910 31 Mar 23 ₹11,485 31 Mar 24 ₹12,344 31 Mar 25 ₹13,300 Returns for Franklin India Savings Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Apr 25 Duration Returns 1 Month 1.1% 3 Month 2.2% 6 Month 4% 1 Year 7.8% 3 Year 6.9% 5 Year 5.9% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.7% 2022 7.3% 2021 4.4% 2020 3.6% 2019 6% 2018 8.5% 2017 7.5% 2016 7.2% 2015 8.1% 2014 8.3% Fund Manager information for Franklin India Savings Fund
Name Since Tenure Rahul Goswami 6 Oct 23 1.4 Yr. Rohan Maru 10 Oct 24 0.39 Yr. Chandni Gupta 30 Apr 24 0.84 Yr. Data below for Franklin India Savings Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 64.34% Debt 35.42% Other 0.25% Debt Sector Allocation
Sector Value Corporate 42.61% Government 34.59% Cash Equivalent 22.56% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Export-Import Bank of India
Domestic Bonds | -9% ₹233 Cr 5,000
↑ 5,000 India (Republic of)
- | -8% ₹212 Cr 22,500,000
↑ 22,500,000 India (Republic of)
- | -5% ₹117 Cr 12,500,000
↑ 12,500,000 Canara Bank
Domestic Bonds | -3% ₹70 Cr 1,500
↑ 1,500 Indian Bank
Domestic Bonds | -3% ₹70 Cr 1,500
↑ 1,500 Kotak Mahindra Bank Ltd.
Debentures | -3% ₹70 Cr 1,500
↑ 1,500 Indian Bank
Domestic Bonds | -3% ₹70 Cr 1,500
↑ 1,500 HDFC Bank Ltd.
Debentures | -3% ₹70 Cr 1,500
↑ 1,500 Corporate Debt Market Development Fund Class A2
Investment Fund | -0% ₹6 Cr 5,772 364 DTB 22012026
Sovereign Bonds | -0% ₹3 Cr 316,500 3. ICICI Prudential Money Market Fund
CAGR/Annualized
return of 7.1% since its launch. Ranked 17 in Money Market
category. Return for 2024 was 7.7% , 2023 was 7.4% and 2022 was 4.7% . ICICI Prudential Money Market Fund
Growth Launch Date 9 Mar 06 NAV (02 Apr 25) ₹372.891 ↑ 0.64 (0.17 %) Net Assets (Cr) ₹25,882 on 28 Feb 25 Category Debt - Money Market AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.32 Sharpe Ratio 2.95 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.48% Effective Maturity 7 Months 23 Days Modified Duration 7 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,561 31 Mar 22 ₹10,963 31 Mar 23 ₹11,572 31 Mar 24 ₹12,450 31 Mar 25 ₹13,414 Returns for ICICI Prudential Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Apr 25 Duration Returns 1 Month 1.1% 3 Month 2.2% 6 Month 4% 1 Year 7.8% 3 Year 7% 5 Year 6.1% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.7% 2022 7.4% 2021 4.7% 2020 3.7% 2019 6.2% 2018 7.9% 2017 7.7% 2016 6.7% 2015 7.7% 2014 8.3% Fund Manager information for ICICI Prudential Money Market Fund
Name Since Tenure Manish Banthia 12 Jun 23 1.72 Yr. Nikhil Kabra 3 Aug 16 8.58 Yr. Data below for ICICI Prudential Money Market Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 83.1% Debt 16.62% Other 0.27% Debt Sector Allocation
Sector Value Corporate 45.53% Cash Equivalent 30.51% Government 23.68% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -7% ₹1,879 Cr 200,000,000
↑ 200,000,000 India (Republic of)
- | -2% ₹470 Cr 50,000,000
↑ 50,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹325 Cr 7,000
↑ 7,000 Small Industries Development Bank of India
Debentures | -1% ₹279 Cr 6,000
↑ 6,000 India (Republic of)
- | -1% ₹250 Cr 25,000,000
↓ -15,000,000 Muthoot Finance Ltd.
Debentures | -1% ₹185 Cr 4,000
↑ 4,000 08.22 Tn SDL 2025dec
Sovereign Bonds | -1% ₹146 Cr 14,500,000 08.20 GJ Sdl 2025dec
Sovereign Bonds | -1% ₹141 Cr 14,000,000 08.38 OD Sdl 2026
Sovereign Bonds | -1% ₹127 Cr 12,500,000 Bank of Baroda
Debentures | -0% ₹116 Cr 2,500
↑ 2,500 4. Aditya Birla Sun Life Money Manager Fund
CAGR/Annualized
return of 6.9% since its launch. Ranked 7 in Money Market
category. Return for 2024 was 7.8% , 2023 was 7.4% and 2022 was 4.8% . Aditya Birla Sun Life Money Manager Fund
Growth Launch Date 13 Oct 05 NAV (02 Apr 25) ₹363.613 ↑ 0.55 (0.15 %) Net Assets (Cr) ₹26,752 on 28 Feb 25 Category Debt - Money Market AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.34 Sharpe Ratio 3.48 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.6% Effective Maturity 6 Months 22 Days Modified Duration 6 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,587 31 Mar 22 ₹11,008 31 Mar 23 ₹11,630 31 Mar 24 ₹12,519 31 Mar 25 ₹13,489 Returns for Aditya Birla Sun Life Money Manager Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Apr 25 Duration Returns 1 Month 1% 3 Month 2.1% 6 Month 4% 1 Year 7.8% 3 Year 7.1% 5 Year 6.2% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.8% 2022 7.4% 2021 4.8% 2020 3.8% 2019 6.6% 2018 8% 2017 7.9% 2016 6.8% 2015 7.7% 2014 8.4% Fund Manager information for Aditya Birla Sun Life Money Manager Fund
Name Since Tenure Kaustubh Gupta 15 Jul 11 13.64 Yr. Anuj Jain 22 Mar 21 3.94 Yr. Mohit Sharma 1 Apr 17 7.92 Yr. Data below for Aditya Birla Sun Life Money Manager Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 87.23% Debt 12.53% Other 0.25% Debt Sector Allocation
Sector Value Cash Equivalent 44.21% Corporate 42.1% Government 13.44% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 182 DTB 29082025
Sovereign Bonds | -4% ₹1,117 Cr 115,000,000 91 Days Tbill
Sovereign Bonds | -2% ₹496 Cr 50,000,000 91 DTB 10042025
Sovereign Bonds | -1% ₹388 Cr 39,000,000
↓ -25,000,000 India (Republic of)
- | -1% ₹291 Cr 30,000,000
↑ 30,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹256 Cr 5,500
↑ 5,500 7.59% Govt Stock 2026
Sovereign Bonds | -1% ₹232 Cr 23,000,000 Indian Bank
Domestic Bonds | -1% ₹186 Cr 4,000
↑ 4,000 HDFC Bank Ltd.
Debentures | -1% ₹186 Cr 4,000
↑ 4,000 08.16 KA Sdl 2025
Sovereign Bonds | -1% ₹182 Cr 18,000,000 08.14 KA Sdl 2025
Sovereign Bonds | -0% ₹131 Cr 13,000,000 5. Nippon India Money Market Fund
CAGR/Annualized
return of 7.4% since its launch. Ranked 27 in Money Market
category. Return for 2024 was 7.8% , 2023 was 7.4% and 2022 was 5% . Nippon India Money Market Fund
Growth Launch Date 16 Jun 05 NAV (02 Apr 25) ₹4,077.67 ↑ 6.77 (0.17 %) Net Assets (Cr) ₹16,856 on 28 Feb 25 Category Debt - Money Market AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.37 Sharpe Ratio 2.85 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.63% Effective Maturity 8 Months 20 Days Modified Duration 8 Months 2 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,540 31 Mar 22 ₹10,954 31 Mar 23 ₹11,584 31 Mar 24 ₹12,463 31 Mar 25 ₹13,425 Returns for Nippon India Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Apr 25 Duration Returns 1 Month 1% 3 Month 2.1% 6 Month 4% 1 Year 7.8% 3 Year 7.1% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.8% 2022 7.4% 2021 5% 2020 3.8% 2019 6% 2018 8.1% 2017 7.9% 2016 6.6% 2015 7.6% 2014 8.3% Fund Manager information for Nippon India Money Market Fund
Name Since Tenure Kinjal Desai 16 Jul 18 6.63 Yr. Vikash Agarwal 14 Sep 24 0.46 Yr. Data below for Nippon India Money Market Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 78.43% Debt 21.29% Other 0.27% Debt Sector Allocation
Sector Value Corporate 48.96% Cash Equivalent 30.14% Government 20.63% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd.
Debentures | -2% ₹372 Cr 8,000
↑ 8,000 Small Industries Development Bank of India
Debentures | -2% ₹279 Cr 6,000
↑ 6,000 364 DTB 27022026
Sovereign Bonds | -1% ₹235 Cr 25,000,000 India (Republic of)
- | -1% ₹235 Cr 25,000,000
↑ 25,000,000 India (Republic of)
- | -1% ₹235 Cr 25,000,000
↑ 25,000,000 Indusind Bank Ltd.
Debentures | -1% ₹232 Cr 5,000
↑ 5,000 Axis Bank Ltd.
Debentures | -1% ₹209 Cr 4,500
↑ 4,500 India (Republic of)
- | -1% ₹194 Cr 20,000,000
↑ 20,000,000 364 DTB 04122025
Sovereign Bonds | -1% ₹191 Cr 20,000,000 Small Industries Development Bank of India
Debentures | -1% ₹186 Cr 4,000
↑ 4,000 6. Tata Money Market Fund
CAGR/Annualized
return of 6.8% since its launch. Ranked 30 in Money Market
category. Return for 2024 was 7.7% , 2023 was 7.4% and 2022 was 4.8% . Tata Money Market Fund
Growth Launch Date 22 May 03 NAV (02 Apr 25) ₹4,640.1 ↑ 7.66 (0.17 %) Net Assets (Cr) ₹28,157 on 28 Feb 25 Category Debt - Money Market AMC Tata Asset Management Limited Rating ☆☆☆ Risk Low Expense Ratio 0 Sharpe Ratio 3.15 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.45% Effective Maturity 7 Years 9 Months Modified Duration 7 Years 8 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,567 31 Mar 22 ₹10,991 31 Mar 23 ₹11,602 31 Mar 24 ₹12,486 31 Mar 25 ₹13,449 Returns for Tata Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Apr 25 Duration Returns 1 Month 1% 3 Month 2.2% 6 Month 4% 1 Year 7.8% 3 Year 7% 5 Year 6.1% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.7% 2022 7.4% 2021 4.8% 2020 3.9% 2019 6.4% 2018 8.1% 2017 -0.1% 2016 6.7% 2015 7.6% 2014 8.3% Fund Manager information for Tata Money Market Fund
Name Since Tenure Amit Somani 16 Oct 13 11.38 Yr. Data below for Tata Money Market Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 69.03% Debt 30.72% Other 0.25% Debt Sector Allocation
Sector Value Corporate 51.16% Cash Equivalent 26.76% Government 21.82% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.22% Govt Stock 2025
Sovereign Bonds | -5% ₹1,246 Cr 125,000,000
↑ 50,000,000 Federal Bank Ltd.
Debentures | -4% ₹1,115 Cr 24,000
↑ 24,000 Axis Bank Ltd.
Debentures | -3% ₹931 Cr 20,000
↑ 20,000 Small Industries Development Bank of India
Debentures | -3% ₹837 Cr 18,000
↑ 18,000 182 DTB 19062025
Sovereign Bonds | -3% ₹713 Cr 72,500,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -3% ₹697 Cr 15,000
↑ 15,000 08.30 RJ Sdl 2026
Sovereign Bonds | -2% ₹532 Cr 52,500,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹469 Cr 10,000 HDFC Bank Ltd.
Debentures | -2% ₹465 Cr 10,000
↑ 10,000 182 DTB 12062025
Sovereign Bonds | -2% ₹458 Cr 46,500,000
↓ -13,500,000 7. Kotak Money Market Scheme
CAGR/Annualized
return of 7.1% since its launch. Ranked 19 in Money Market
category. Return for 2024 was 7.7% , 2023 was 7.3% and 2022 was 4.9% . Kotak Money Market Scheme
Growth Launch Date 14 Jul 03 NAV (02 Apr 25) ₹4,412.96 ↑ 7.00 (0.16 %) Net Assets (Cr) ₹27,943 on 28 Feb 25 Category Debt - Money Market AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.35 Sharpe Ratio 2.91 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.57% Effective Maturity 8 Months 8 Days Modified Duration 8 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,505 31 Mar 22 ₹10,910 31 Mar 23 ₹11,524 31 Mar 24 ₹12,395 31 Mar 25 ₹13,350 Returns for Kotak Money Market Scheme
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Apr 25 Duration Returns 1 Month 1% 3 Month 2.1% 6 Month 4% 1 Year 7.8% 3 Year 7% 5 Year 6% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.7% 2022 7.3% 2021 4.9% 2020 3.7% 2019 5.7% 2018 8% 2017 7.7% 2016 6.7% 2015 7.7% 2014 8.4% Fund Manager information for Kotak Money Market Scheme
Name Since Tenure Deepak Agrawal 1 Nov 06 18.34 Yr. Manu Sharma 1 Nov 22 2.33 Yr. Data below for Kotak Money Market Scheme as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 72.74% Debt 27% Other 0.27% Debt Sector Allocation
Sector Value Corporate 46.42% Cash Equivalent 28.94% Government 24.38% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indian Bank
Domestic Bonds | -3% ₹698 Cr 75,000
↑ 75,000 Small Industries Development Bank of India
Debentures | -2% ₹511 Cr 55,000
↑ 55,000 364 DTB 29012026
Sovereign Bonds | -2% ₹473 Cr 50,000,000 364 Days Tbill Red 05-02-2026
Sovereign Bonds | -2% ₹473 Cr 50,000,000 Indusind Bank Ltd.
Debentures | -2% ₹465 Cr 50,000
↑ 50,000 364 DTB 04122025
Sovereign Bonds | -1% ₹382 Cr 40,000,000 5.22% Govt Stock 2025
Sovereign Bonds | -1% ₹349 Cr 35,000,000 364 DTB 12022026
Sovereign Bonds | -1% ₹283 Cr 30,000,000 Axis Bank Ltd.
Debentures | -1% ₹279 Cr 30,000
↑ 30,000 364 Days Tbill Mat 200226
Sovereign Bonds | -1% ₹236 Cr 25,000,000 8. HDFC Money Market Fund
CAGR/Annualized
return of 7% since its launch. Ranked 41 in Money Market
category. Return for 2024 was 7.7% , 2023 was 7.3% and 2022 was 4.7% . HDFC Money Market Fund
Growth Launch Date 18 Nov 99 NAV (02 Apr 25) ₹5,617.46 ↑ 9.26 (0.17 %) Net Assets (Cr) ₹27,399 on 28 Feb 25 Category Debt - Money Market AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Low Expense Ratio 0.41 Sharpe Ratio 2.77 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 0.74% Effective Maturity 8 Months 26 Days Modified Duration 8 Months 7 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,586 31 Mar 22 ₹10,998 31 Mar 23 ₹11,606 31 Mar 24 ₹12,477 31 Mar 25 ₹13,436 Returns for HDFC Money Market Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 2 Apr 25 Duration Returns 1 Month 1% 3 Month 2.1% 6 Month 4% 1 Year 7.8% 3 Year 7% 5 Year 6.1% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.7% 2022 7.3% 2021 4.7% 2020 3.8% 2019 6.5% 2018 8.1% 2017 7.4% 2016 6.5% 2015 7.5% 2014 8.3% Fund Manager information for HDFC Money Market Fund
Name Since Tenure Praveen Jain 30 Aug 24 0.5 Yr. Dhruv Muchhal 22 Jun 23 1.69 Yr. Data below for HDFC Money Market Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 84% Debt 15.76% Other 0.24% Debt Sector Allocation
Sector Value Corporate 48.87% Cash Equivalent 29.26% Government 21.63% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank for Agriculture and Rural Development
Domestic Bonds | -3% ₹860 Cr 18,500
↑ 18,500 Bank of Baroda
Debentures | -2% ₹465 Cr 10,000
↑ 10,000 India (Republic of)
- | -2% ₹423 Cr 45,000,000
↑ 45,000,000 5.22% Govt Stock 2025
Sovereign Bonds | -1% ₹299 Cr 30,000,000 182 DTB 27062025
Sovereign Bonds | -1% ₹295 Cr 30,000,000 364 Days Tbill Mat 200226
Sovereign Bonds | -1% ₹283 Cr 30,000,000 India (Republic of)
- | -1% ₹282 Cr 30,000,000
↑ 30,000,000 364 Days Tbill Red 05-02-2026
Sovereign Bonds | -1% ₹236 Cr 25,000,000 364 DTB 12022026
Sovereign Bonds | -1% ₹236 Cr 25,000,000 182 DTB 19062025
Sovereign Bonds | -0% ₹98 Cr 10,000,000
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